Call reports 2020
MAINSTREET BANK — 2020
What MAINSTREET BANK reported to the FFIEC in 2020, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Total assets | 95,479,000 | 103,586,000 | 100,578,000 | 100,391,000 |
| Total loans | 66,687,000 | 69,044,000 | 66,228,000 | 64,733,000 |
| Allowance for loan losses | 825,000 | 835,000 | 839,000 | 840,000 |
| Securities available for sale | 12,362,000 | 12,179,000 | 16,780,000 | 19,979,000 |
| Securities held to maturity | 7,690,000 | 6,917,000 | 5,877,000 | 4,618,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 82,192,000 | 88,542,000 | 85,735,000 | 87,028,000 |
| Interest-bearing deposits | 69,039,000 | 74,149,000 | 71,388,000 | 71,999,000 |
| Noninterest-bearing deposits | 13,153,000 | 14,393,000 | 14,347,000 | 15,029,000 |
| Equity capital | 9,814,000 | 10,577,000 | 10,734,000 | 10,159,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Interest income | 1,014,000 | 2,103,000 | 3,051,000 | 4,047,000 |
| Interest expense | 158,000 | 316,000 | 462,000 | 589,000 |
| Net interest income | 856,000 | 1,787,000 | 2,589,000 | 3,458,000 |
| Noninterest income | 96,000 | 163,000 | 266,000 | 355,000 |
| Noninterest expense | 779,000 | 1,534,000 | 2,333,000 | 3,189,000 |
| Provision for loan losses | 79,000 | 88,000 | 92,000 | 92,000 |
| Pretax income | 159,000 | 382,000 | 501,000 | 606,000 |
| Income tax | 14,000 | 36,000 | 55,000 | 66,000 |
| Net income | 145,000 | 346,000 | 446,000 | 540,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2020Q1 | 2020Q2 | 2020Q3 | 2020Q4 |
|---|---|---|---|---|
| Tier 1 capital | 9,996,000 | 10,209,000 | 10,322,000 | 9,722,000 |
| Total capital | 10,821,000 | 11,044,000 | 11,161,000 | — |
| Risk-weighted assets | 71,150,000 | 75,815,000 | 72,509,000 | — |